topic Re: What is your opinion on citi double cash? in Credit Cardshttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832323#M1408871
<P>I like it. &nbsp;But I would like it more if it had a larger CL. &nbsp;I just purchased a washer and dryer for my new rental house on it to get the price rewind and extended warranty coverage, and will have to make a payment so I can use it for the rental truck in a couple weeks so that I have the roadside assistance and rental insurance.</P>Sun, 08 Jan 2017 14:16:37 GMTEAJuggalo2017-01-08T14:16:37ZWhat is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831870#M1408715
<P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P>Sat, 07 Jan 2017 23:41:01 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831870#M1408715Subexistence2017-01-07T23:41:01ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831881#M1408719
<BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P>Sat, 07 Jan 2017 23:52:06 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831881#M1408719SouthJamaica2017-01-07T23:52:06ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831885#M1408722
<P>From what I've read on many comments, the DC seems to be the go-to card for Citi.&nbsp;</P>Sat, 07 Jan 2017 23:55:57 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831885#M1408722marcforza12017-01-07T23:55:57ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831887#M1408723
My DW has it. It doesn't get much use, mainly the reasons SouthJamaca stated. We used it mostly during the promotional period because of the 0% interest. It's one of her lowest cards and hasn't grown at all.Sat, 07 Jan 2017 23:56:11 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831887#M1408723Harley142017-01-07T23:56:11ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831896#M1408727
<P>It's sort of the benchmark that other general spend rewards cards are compared to: "is this better than just swiping Double Cash for an easy 2%"?</P><P>&nbsp;</P><P>It's easy to get the cash and easy to use (Mastercard). There are some minor roadblocks mentioned above, but those probably keep the card viable. It is a good card for unbonused spend.&nbsp;</P>Sun, 08 Jan 2017 00:03:25 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831896#M1408727salt_water_swimming2017-01-08T00:03:25ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831901#M1408728
<BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>And as others have said before, 5 at least must be YMMV. &nbsp;SP CLIs on DC are not an issue for me.</P><P>&nbsp;</P><P>You have to also compare to alternatives. &nbsp;Blispay is probably the strongest contender but has no auto-pay and some are not sure about long-term viability. &nbsp;Fideltiy Visa &nbsp;gives 2% at statement after purchase, but has a $50 redemption minimum.</P>Sun, 08 Jan 2017 00:08:07 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831901#M1408728longtimelurker2017-01-08T00:08:07ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831934#M1408740
First year I hated this card because of the low SL. It was SD most of that time because of this. No SP cli the first year either ..YMMV. After that the flood gates opened. I've received balance transfer offers at least once a week for the last 3 or 4 months.Standard APRs can be high, though they send offers for this as well. I think my purchase APR right now is 1.99% for the next year. That's lower then any credit card I know of. The last BT offer was .99% for a year. I don't do BTs or carry balances. So neither will be used here.<BR /><BR />If you pay before statement date. You'll receive the full 2% a few days after statement closes. The price rewind feature is nice. I haven't used it yet.<BR /><BR />Once you get some history with them, they seem to be less conservative.<BR />Now SP CLIs come every 180 days. It's the most used card in my household besides the Amex BCP. That may change with the USAA Limitless set to arrive next week with a 2.5% CB and no redemption or spending thresholds.Sun, 08 Jan 2017 00:44:12 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831934#M1408740Gmood12017-01-08T00:44:12ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831944#M1408745
I think it's great. Citi price rewind is great. Personally, I don't care about the 25 minimum because I'm not cashing in 5 dollars in rewards, and it isn't 25 dollar increments like amex. It has 2 year extended warranty on things instead of 1 like most. If you care about waiting for the other 1 percent to post just pay before statement cuts but it's not a big deal to me.Sun, 08 Jan 2017 01:04:45 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831944#M1408745ngamtns7062017-01-08T01:04:45ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831946#M1408747
Put some spend on it and build a relationship and they will work with you if credit is there. I took a HP through the EO for a 3k--15 increase that I requested.Sun, 08 Jan 2017 01:07:36 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831946#M1408747ngamtns7062017-01-08T01:07:36ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831958#M1408752
<BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>Some people might have issues with what SouthJamaica stated and I can understand why.&nbsp;The card either works for you or it doesn't.&nbsp;</P><P>&nbsp;</P><P>- As far as the delay on the rewards fortunately that's not money I need to pay bills, so I'm ok with waiting.</P><P>- My SL was $9k and I've been getting SP CLI's with Citi on my accounts at the 6 month mark.</P><P>- This is an everyday rewards card so I don't use for &nbsp;BT's even though I got the 18mo 0% offer.&nbsp;</P><P>- Interest rate doesn't matter since I pay the account in full always.&nbsp;</P><P>- Most of my international trips are to Canada and I use my Amex Platinum/SPG. No issues with acceptance. Most people don't travel internationally often.</P><P>&nbsp;</P><P>&nbsp;Edit: Last year I bought an item the week before Black Friday. The item went on sale for $150 less, submitted a Price Rewind and within 10 days my account was credited.</P>Sun, 08 Jan 2017 01:28:23 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831958#M1408752jacetx2017-01-08T01:28:23ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831968#M1408756
<P>I think it's a pretty amazing card and use it for my general spend.</P><P>&nbsp;</P><P>In response to:</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>&nbsp;</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment</P><P>&nbsp;</P><P>Or, just use credit properly and pay off the card with the money you are supposed to already have and get 2% immediately after the statement cuts</P><P><BR />3. redemption minimum of $25</P><P>&nbsp;</P><P>If you are relying on that $24.99 or less in cashback then spending habits should be questioned but I guess it's a step down from some cards that let you redeem just 1 cent if need be.</P><P><BR />4. low starting limits</P><P>&nbsp;</P><P>It is true, that even with all my cards starting at $10,000 or higher limits, this card started at $3,000.</P><P><BR />5. hard to get CLI's, usually no soft pull opportunity</P><P>&nbsp;</P><P>There is a soft pull opporunity always available in my account. &nbsp;I have used it every 6 months as allowed and always gotten an increase of $1000 or more each time.</P><P><BR />6. no balance transfer opportunities after first 30 days</P><P>&nbsp;</P><P>I guess if you need to transfer a balance this would be bad. &nbsp;I prefer not to keep balances.</P><P><BR />7. high interest &amp; high fees</P><P>&nbsp;</P><P>No problem if you do not carry a balance or do not miss payments. &nbsp;In other words, be responsible.</P><P><BR />8. foreign transaction fees</P><P>&nbsp;</P><P>Not expected since it is not a travel card. &nbsp;I think that is expecting too much.</P>Sun, 08 Jan 2017 01:41:18 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831968#M1408756Noctilum2017-01-08T01:41:18ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831976#M1408761
<P>I think new accounts should, as much as possible, involve big bonuses.</P><P>&nbsp;</P><P>DC is more a card to PC to than to app for outright.</P>Sun, 08 Jan 2017 02:05:38 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831976#M1408761wasCB142017-01-08T02:05:38ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831984#M1408765
Or it works better long term for someone who isn't going to get much benefit out of a CSP, CSR, Airline card? Some people don't want to use a card, get the bonus and cancel or SD it. I've done it before but yeah..Sun, 08 Jan 2017 02:14:02 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831984#M1408765ngamtns7062017-01-08T02:14:02ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831985#M1408766
<P>Best card I ever owned.</P>Sun, 08 Jan 2017 02:14:27 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831985#M1408766Steelersboy2017-01-08T02:14:27ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831997#M1408769
<P>I like my Citi DC, but wish that the $25 min. redemption threshold could be eliminated, so that you can redeem rewards at any earned points value. &nbsp;Also that the 2% cashback could be earned immedaitely after the initial purchase, instead of 1% at purchase and 1% after payment -- that setup seems rather overly-convoluted imo. &nbsp;If Citi made these 2 changes (although I doubt they ever will seriously consider them), the card could potentially become much more popular here...</P>Sun, 08 Jan 2017 03:18:40 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4831997#M1408769galahad152017-01-08T03:18:40ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832014#M1408774
<BLOCKQUOTE><HR /><LI-USER uid="963964"></LI-USER> wrote:<BR />Or it works better long term for someone who isn't going to get much benefit out of a CSP, CSR, Airline card? Some people don't want to use a card, get the bonus and cancel or SD it. I've done it before but yeah..<HR /></BLOCKQUOTE><P>I didn't suggest getting a premium card and then canceling or SDing it. I suggested getting a premium card and then PCing it to DC after draining the premium card of its first-year value.</P><P>&nbsp;</P><P>Sometimes getting the most value from a new account in the long run involves getting a ton of value early on.</P>Sun, 08 Jan 2017 02:48:24 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832014#M1408774wasCB142017-01-08T02:48:24ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832073#M1408793
That's true. Doesn't Citi require another pull when pcing?Sun, 08 Jan 2017 03:41:12 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832073#M1408793ngamtns7062017-01-08T03:41:12ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832095#M1408795
It's really a no brainer. Flat 2% rewards, 90 day purchase protection (REALLY handy since I shop online a lot and do final sale, etc), price rewind (also great for shopping). Most importantly imo is the extended warranty protection for up to two years (AMEX is just one year). My new $3000 MacBook is covered in full for 5 years (3 with AppleCare) which is amazing, especially since the touch bar may crap out after AppleCare ends.Sun, 08 Jan 2017 03:57:04 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832095#M1408795eagle20132017-01-08T03:57:04ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832101#M1408796
<BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>It gives you straight 2%. Ignore all the others. Too much talking and advice.&nbsp;<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /></P><P>&nbsp;</P><P>I do not have any other Citi CCs, but this one and the Costco card. Even so, I do not use them often....</P>Sun, 08 Jan 2017 04:08:38 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832101#M1408796BronzeTrader2017-01-08T04:08:38ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832102#M1408797
Bisplay might not last and I don't have fidelity account so citi it is. I plan to pay back in full and the cash back delay isn't a problem. The only problem is CLI. But I guess I can pay back before I use too much of my limit. Thank you for you responses. I will most likely get citi.Sun, 08 Jan 2017 04:09:24 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832102#M1408797Subexistence2017-01-08T04:09:24ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832110#M1408798
I've had this card for a couple years and for about 1.5 of it I found it disappointing. It was my lowest limit by far and wouldn't grow. My fiance had some bad customer service experiences with the card. But patience has started to pay off. In the past 6 months or so I've gotten 2 SP CLI to make my limit much closer to my others and have had some good customer service experiences. As such, it's gone from the chopping block to a regular in my wallet. Would now recommend it to anyone.Sun, 08 Jan 2017 04:18:41 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832110#M1408798cjesser152017-01-08T04:18:41ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832115#M1408802
<P>Bozo card. 500 credit limit when highest limit is 24,500.</P>Sun, 08 Jan 2017 04:24:46 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832115#M1408802abozo842017-01-08T04:24:46ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832129#M1408811
For the average consumer who doesn't want to hassle with categories, it's hard to argue with a flat 2 percent.<BR /><BR />The card tends to have lower starting limits and a higher APR than most people's profiles would seem to deserve. You do have to wait a couple months for the full 2 percent unless you pay before the statement closes. These are definitely issues and prevent it from being a wonderful card, but it's still a very solid option.<BR /><BR />The only problem is that with no sign up bonus it will take many thousands of dollars in spend before you will out earn even the $100 bonus offered on cards like Quicksilver, BOA Cash Rewards etc.Sun, 08 Jan 2017 04:43:21 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832129#M1408811kdm310912017-01-08T04:43:21ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832139#M1408814
<P>I product converted an old Diamond Preferred card to Double Cash about a month ago because I wasn't taking advantage of any of the Diamond Preferred rewards benefits.&nbsp; Will pair the DC card with a new Amex Everyday Blue Cash card designated&nbsp; for groceries to get the 3% back in that category.&nbsp; See how it works out. &nbsp; &nbsp;&nbsp;</P>Sun, 08 Jan 2017 05:03:07 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832139#M1408814HardKnocks2017-01-08T05:03:07ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832159#M1408817
<P>Some of you MF'ers (myFico'ers of course) are crazy. The DC is one of the best general spend cards out there. Big stinking deal&nbsp;the 2% &nbsp;doesn't all hit at once. If you pay your card balance off before the statement closes you'll get all of it in one shot. I started with a 4k limit and had it bumped to 10k in less than a year. Some get 25k requesting a CLI on activation.</P><P>&nbsp;</P><P>It has the best card benefits hands down out of any issuer of non-premium and some premium cards. Tell me one that's better. I'll dock it for no bonus though.</P><P>&nbsp;</P><P>Secondly, I love South Jamaica and have no beef with him. He's from South Jamaica Queens and I'm from Yonkers. Alright, I'm not really from Yonkers but I like saying the word its absurd in the best way. He's my&nbsp;guy though. I just disagree on this one.</P>Sun, 08 Jan 2017 05:32:57 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832159#M1408817Credit_hawk2017-01-08T05:32:57ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832245#M1408835
<P>I like this card quite a bit. It's consistently been one of my favorites since it first came out. I love category cards and actively enjoy playing that game, but you can't beat a flat 2% on non-cat spending.</P><P>&nbsp;</P><P>My biggest beef with the DC was that it was a Citi card and I've had some very poor customer service experiences with Citi over the years. The DC was worth dealing with Citi though because it was such a great card. I eventually did get the Blispay so that I would have a 2% option that isn't Citi, and I do now use it more than the DC and quite like their online account management (significantly better than Citi's), but I actively still use the DC too, just not quite as much.</P><P>&nbsp;</P><P>I agree that starting limit on the DC is typically low. My other cards were 10K+ when I got the DC, but the DC started much lower...I don't remember exactly what anymore, somewhere between 2-5K I think. Anyway, after 6 months I did a HP and requested and got 10K. I didn't want to inch my way up with SP and I virtually never have more than 1-3 HPs on my reports at any given time, so it wasn't a big deal to just use an HP. After that I requested and got a SP CLI once, just for giggles really. They bumped it from 10K to $12,600, which I thought was very solid and generous for a SP. However, I haven't asked again because honestly I just don't really need another CLI (I've quit seeking CLIs on all my accounts). My utilization is low, I don't use the card THAT much, and PIF. So no need for more. But anyway, while I agree it started low, I had no trouble growing it as much as I was interested in growing it after 6 months.</P><P>&nbsp;</P><P>I also agree with other posters in that the redemption time frame and process isn't really a big deal to me. I'd be annoyed if it had to be redeemed in exact $25 increments - because that's just stupid - but I'm fine with the threshold and don't really care how long it takes to post to my account as long as I get it. That said, Blispay's automatic credit at the end of every cycle is pretty sweet!</P><P>&nbsp;</P><P>Regarding BT offers on the DC, I've never done one, but they send them to me ALL THE TIME. I'm getting offers from them and BofA every time I turn around.</P><P>&nbsp;</P><P>As far as APR, I don't know what mine is offhand and PIF anyway, but I'm quite sure it's comparable to most of my other rewards cards (Chase, Discover, BofA) and I know they do beat Blispay's APR.</P><P>&nbsp;</P><P>Anyway, it's my personal opinion that a solid 2% card is a great addition to most people's wallets and I think the DC is excellent. Blispay or Fidelity may be better for a given individual, but it comes down to particular needs and preferences. Personally I'd hate to choose between the DC and Blispay and am glad I have both, but I think I might still lean DC even though I like Blispay a tad better, because yeah, a well established, giant bank like Citi does make me more confident in long-term viability than a new startup like Blispay.</P><P>&nbsp;</P>Sun, 08 Jan 2017 09:07:52 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832245#M1408835Kevin864753912017-01-08T09:07:52ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832254#M1408840
<BLOCKQUOTE><HR /><LI-USER uid="621924"></LI-USER> wrote:<BR /><P>I like this card quite a bit. It's consistently been one of my favorites since it first came out. I love category cards and actively enjoy playing that game, but you can't beat a flat 2% on non-cat spending.</P><P>&nbsp;</P><P>My biggest beef with the DC was that it was a Citi card and I've had some very poor customer service experiences with Citi over the years. The DC was worth dealing with Citi though because it was such a great card. I eventually did get the Blispay so that I would have a 2% option that isn't Citi, and I do now use it more than the DC and quite like their online account management (significantly better than Citi's), but I actively still use the DC too, just not quite as much.</P><P>&nbsp;</P><P>I agree that starting limit on the DC is typically low. My other cards were 10K+ when I got the DC, but the DC started much lower...I don't remember exactly what anymore, somewhere between 2-5K I think. Anyway, after 6 months I did a HP and requested and got 10K. I didn't want to inch my way up with SP and I virtually never have more than 1-3 HPs on my reports at any given time, so it wasn't a big deal to just use an HP. After that I requested and got a SP CLI once, just for giggles really. They bumped it from 10K to $12,600, which I thought was very solid and generous for a SP. However, I haven't asked again because honestly I just don't really need another CLI (I've quit seeking CLIs on all my accounts). My utilization is low, I don't use the card THAT much, and PIF. So no need for more. But anyway, while I agree it started low, I had no trouble growing it as much as I was interested in growing it after 6 months.</P><P>&nbsp;</P><P>I also agree with other posters in that the redemption time frame and process isn't really a big deal to me. I'd be annoyed if it had to be redeemed in exact $25 increments - because that's just stupid - but I'm fine with the threshold and don't really care how long it takes to post to my account as long as I get it. That said, Blispay's automatic credit at the end of every cycle is pretty sweet!</P><P>&nbsp;</P><P>Regarding BT offers on the DC, I've never done one, but they send them to me ALL THE TIME. I'm getting offers from them and BofA every time I turn around.</P><P>&nbsp;</P><P>As far as APR, I don't know what mine is offhand and PIF anyway, but I'm quite sure it's comparable to most of my other rewards cards (Chase, Discover, BofA) and I know they do beat Blispay's APR.</P><P>&nbsp;</P><P>Anyway, it's my personal opinion that a solid 2% card is a great addition to most people's wallets and I think the DC is excellent. Blispay or Fidelity may be better for a given individual, but it comes down to particular needs and preferences. Personally I'd hate to choose between the DC and Blispay and am glad I have both, but I think I might still lean DC even though I like Blispay a tad better, because yeah, a well established, giant bank like Citi does make me more confident in long-term viability than a new startup like Blispay.</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Well said. I'd be curious to hear some of the customer service issues some have experienced though.</P>Sun, 08 Jan 2017 10:30:11 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832254#M1408840Credit_hawk2017-01-08T10:30:11ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832268#M1408848
<P>I love it. Any complaining about the DC seems like it's stretching it a bit. As others have said, what are the alternatives for an unlimited 2% card? Blispay and Fidelity both have some issues (moreso Blispay, it sounds like).</P><P>&nbsp;</P><P>I'm certainly not going to use a 1.5% card for non-bonus spending over a couple of very minor issues. But if someone wanted to, I could see it I guess.&nbsp;</P><P>&nbsp;</P><P>I do have a question. Do you guys get rewards redeemed via direct deposit into a non-Citi account? I can't seem to figure out how to do that so I just have them mail a check. Not a huge deal, but that would be very convenient. If it's not possible, that would be one very minor thing I'd like to see changed. Chase and Discover do seem to make the direct deposit very convenient.</P><P>&nbsp;</P><P>But at least a check is an option. &nbsp;I don't actually like it when cards only allow redemption via statement credit. As far as I can tell, that's the only option with BOA and AMEX (please correct if that's wrong). Statement credit is bad with the DC for obvious reasons, but I use the cards for a lot of business expenses. It's much simpler to pay the actual statement balance without any sort of statement credit.</P>Sun, 08 Jan 2017 11:32:48 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832268#M1408848PapasChileHuevos2017-01-08T11:32:48ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832269#M1408849
<BLOCKQUOTE><HR /><LI-USER uid="906055"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="621924"></LI-USER> wrote:<BR /><P>I like this card quite a bit. It's consistently been one of my favorites since it first came out. I love category cards and actively enjoy playing that game, but you can't beat a flat 2% on non-cat spending.</P><P>&nbsp;</P><P>My biggest beef with the DC was that it was a Citi card and I've had some very poor customer service experiences with Citi over the years. The DC was worth dealing with Citi though because it was such a great card. I eventually did get the Blispay so that I would have a 2% option that isn't Citi, and I do now use it more than the DC and quite like their online account management (significantly better than Citi's), but I actively still use the DC too, just not quite as much.</P><P>&nbsp;</P><P>I agree that starting limit on the DC is typically low. My other cards were 10K+ when I got the DC, but the DC started much lower...I don't remember exactly what anymore, somewhere between 2-5K I think. Anyway, after 6 months I did a HP and requested and got 10K. I didn't want to inch my way up with SP and I virtually never have more than 1-3 HPs on my reports at any given time, so it wasn't a big deal to just use an HP. After that I requested and got a SP CLI once, just for giggles really. They bumped it from 10K to $12,600, which I thought was very solid and generous for a SP. However, I haven't asked again because honestly I just don't really need another CLI (I've quit seeking CLIs on all my accounts). My utilization is low, I don't use the card THAT much, and PIF. So no need for more. But anyway, while I agree it started low, I had no trouble growing it as much as I was interested in growing it after 6 months.</P><P>&nbsp;</P><P>I also agree with other posters in that the redemption time frame and process isn't really a big deal to me. I'd be annoyed if it had to be redeemed in exact $25 increments - because that's just stupid - but I'm fine with the threshold and don't really care how long it takes to post to my account as long as I get it. That said, Blispay's automatic credit at the end of every cycle is pretty sweet!</P><P>&nbsp;</P><P>Regarding BT offers on the DC, I've never done one, but they send them to me ALL THE TIME. I'm getting offers from them and BofA every time I turn around.</P><P>&nbsp;</P><P>As far as APR, I don't know what mine is offhand and PIF anyway, but I'm quite sure it's comparable to most of my other rewards cards (Chase, Discover, BofA) and I know they do beat Blispay's APR.</P><P>&nbsp;</P><P>Anyway, it's my personal opinion that a solid 2% card is a great addition to most people's wallets and I think the DC is excellent. Blispay or Fidelity may be better for a given individual, but it comes down to particular needs and preferences. Personally I'd hate to choose between the DC and Blispay and am glad I have both, but I think I might still lean DC even though I like Blispay a tad better, because yeah, a well established, giant bank like Citi does make me more confident in long-term viability than a new startup like Blispay.</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Well said. I'd be curious to hear some of the customer service issues some have experienced though.</P><HR /></BLOCKQUOTE><P>I've dealt with Citi customer service, and they were fine. The rep did not speak English as a first language, so we had some small issues there, but it was fine. The issue I need to get worked out got worked out. Now, it probably wasn't Discover customer service level stellar. Discover really has been a joy to deal with every time I have.&nbsp;</P>Sun, 08 Jan 2017 11:38:01 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832269#M1408849PapasChileHuevos2017-01-08T11:38:01ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832276#M1408854
<BLOCKQUOTE><HR /><LI-USER uid="973614"></LI-USER> wrote:<BR /><P>I love it. Any complaining about the DC seems like it's stretching it a bit. As others have said, what are the alternatives for an unlimited 2% card? Blispay and Fidelity both have some issues (moreso Blispay, it sounds like).</P><P>&nbsp;</P><P>I'm certainly not going to use a 1.5% card for non-bonus spending over a couple of very minor issues. But if someone wanted to, I could see it I guess.&nbsp;</P><P>&nbsp;</P><P><FONT color="#FF0000">I do have a question. Do you guys get rewards redeemed via direct deposit into a non-Citi account? I can't seem to figure out how to do that so I just have them mail a check. Not a huge deal, but that would be very convenient. If it's not possible, that would be one very minor thing I'd like to see changed</FONT>. Chase and Discover do seem to make the direct deposit very convenient.</P><P>&nbsp;</P><P>But at least a check is an option. &nbsp;I don't actually like it when cards only allow redemption via statement credit. As far as I can tell, that's the only option with BOA and AMEX (please correct if that's wrong). Statement credit is bad with the DC for obvious reasons, but I use the cards for a lot of business expenses. It's much simpler to pay the actual statement balance without any sort of statement credit.</P><HR /></BLOCKQUOTE><P>It is possible but it has to be an account which you've recently used as an account from which to make online payments on the card.</P>Sun, 08 Jan 2017 12:19:36 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832276#M1408854SouthJamaica2017-01-08T12:19:36ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832279#M1408857
<P>You can redeem for a direct deposit into any account if you've used that account to pay your Citi bill at least twice.<BR /><BR />To the user who mentioned it above, BOA allows check redemption, Amex does not.&nbsp;</P><P>&nbsp;</P><P>At the end of the day 2 percent vs 1.5 percent isn't going to change anyone's life so one should just use whatever they prefer.&nbsp;</P>Sun, 08 Jan 2017 12:48:17 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832279#M1408857kdm310912017-01-08T12:48:17ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832297#M1408862
First true bankcard in my rebuild so thats cool. Cant get a cli for the life of me, hp or sp. Just received first bt offer for 0% 18months yesterday but not much i can do with 1200 sl. I like when you pay it updates available credit right away. I guess my biggest distraction is Citis stinginess with regards to cli, but being that im not a huge spender, i guess i can live with it<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />Sun, 08 Jan 2017 13:49:46 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832297#M1408862AverageJoesCredit2017-01-08T13:49:46ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832323#M1408871
<P>I like it. &nbsp;But I would like it more if it had a larger CL. &nbsp;I just purchased a washer and dryer for my new rental house on it to get the price rewind and extended warranty coverage, and will have to make a payment so I can use it for the rental truck in a couple weeks so that I have the roadside assistance and rental insurance.</P>Sun, 08 Jan 2017 14:16:37 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832323#M1408871EAJuggalo2017-01-08T14:16:37ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832333#M1408875
<BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>+1 So many other cards deliver more.</P>Sun, 08 Jan 2017 14:27:07 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832333#M1408875Musiclover2017-01-08T14:27:07ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832390#M1408893
<BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>&nbsp;</P><P>&nbsp;</P><P>Too much analyzed. It is like Fidelity Visa CC. A rather simple straight 2% card. Get it, or move on.</P><P>&nbsp;</P>Mon, 09 Jan 2017 17:36:08 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832390#M1408893BronzeTrader2017-01-09T17:36:08ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832608#M1408990
<BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973614"></LI-USER> wrote:<BR /><P>I love it. Any complaining about the DC seems like it's stretching it a bit. As others have said, what are the alternatives for an unlimited 2% card? Blispay and Fidelity both have some issues (moreso Blispay, it sounds like).</P><P>&nbsp;</P><P>I'm certainly not going to use a 1.5% card for non-bonus spending over a couple of very minor issues. But if someone wanted to, I could see it I guess.&nbsp;</P><P>&nbsp;</P><P><FONT color="#FF0000">I do have a question. Do you guys get rewards redeemed via direct deposit into a non-Citi account? I can't seem to figure out how to do that so I just have them mail a check. Not a huge deal, but that would be very convenient. If it's not possible, that would be one very minor thing I'd like to see changed</FONT>. Chase and Discover do seem to make the direct deposit very convenient.</P><P>&nbsp;</P><P>But at least a check is an option. &nbsp;I don't actually like it when cards only allow redemption via statement credit. As far as I can tell, that's the only option with BOA and AMEX (please correct if that's wrong). Statement credit is bad with the DC for obvious reasons, but I use the cards for a lot of business expenses. It's much simpler to pay the actual statement balance without any sort of statement credit.</P><HR /></BLOCKQUOTE><P>It is possible but it has to be an account which you've recently used as an account from which to make online payments on the card.</P><HR /></BLOCKQUOTE><P>Makes sense. It's still a pretty new card (only 2 statements cut). I would've thought I'd have met the threshold for number of payments from the account by now (I pay by the transaction), but I guess not. Hopefully, it'll give me the option on the next statement.</P><P>&nbsp;</P><P>Actually, I wonder if the issue is that I have autopay set-up for the business account, but I want the rewards to be deposited to the personal account. I've used both for many payments, but only the business has ever been used to pay the ending statement balance.</P>Sun, 08 Jan 2017 20:26:49 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832608#M1408990PapasChileHuevos2017-01-08T20:26:49ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832705#M1409016
<P>My most used card.</P><P>&nbsp;</P><P>Flat 2% is hard to argue with - though I have some diversity with Chase. &nbsp;IMO if I could only have 1 card it would be this one.</P>Sun, 08 Jan 2017 22:47:45 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832705#M1409016nachoslibres2017-01-08T22:47:45ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832751#M1409029
<P>Have it, love it. Recurring 0% APR offers for Purchases and BT. Limit 33k. One of my most used cards.</P>Sun, 08 Jan 2017 23:55:49 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4832751#M1409029shakalaka2017-01-08T23:55:49ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839506#M1411163
<P>I use PR quite often and they are great because you can simply email the paperwork - it can be 2-4 weeks but usually goes through no issue. Twice had a minor issue and they were wonderful to deal with on the phone&nbsp; - easy and friendly phone calls, and issues were fixed pretty quickly after that. Big plus over Discover where you weirdly need to call in to start each match then wait for the email, then fill the form out. I've gotten rewinds for $5 and for almost $500....</P><P>&nbsp;</P><P>Just got a CLI from 6500 to 13000 (they chose the amount.) Was happy - didn't expect it to double.</P><P>&nbsp;</P><P>As some other said the 2 added years of warranty is a huge bonus that makes a difference - most of our everyday shop that isn't in the 5% OBC Amex or the revolving Discover will go on this + anything we might need a warranty on. I do miss Discover CS though that's for sure!!</P>Mon, 16 Jan 2017 02:31:58 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839506#M1411163Jenn100112017-01-16T02:31:58ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839549#M1411175
<P>I love my DC card, it started low ($2,000) but it is growing steadily! Also wanted to add that Citi finally improved the build quality of the card, the first one I got was very poorly made but the latest one is very high quality,.</P>Mon, 16 Jan 2017 03:44:51 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839549#M1411175Discover20162017-01-16T03:44:51ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839567#M1411181
<BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>And as others have said before, 5 at least must be YMMV. &nbsp;SP CLIs on DC are not an issue for me.</P><P>&nbsp;</P><P>You have to also compare to alternatives. &nbsp;Blispay is probably the strongest contender but has no auto-pay and some are not sure about long-term viability. &nbsp;Fideltiy Visa &nbsp;gives 2% at statement after purchase, but has a $50 redemption minimum.</P><HR /></BLOCKQUOTE><P>Oh, I have no issue REQUESTING SP CLIs. &nbsp;Getting them is an entirely different story. &nbsp;Had the card for over a year now, and still stuck at $500. &nbsp;Other than that, I would love the card, and would use it a lot more if the CL wasn't unusable.</P><P>&nbsp;</P>Mon, 16 Jan 2017 04:13:20 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839567#M1411181OzMan17882017-01-16T04:13:20ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839578#M1411186
<BLOCKQUOTE><HR /><LI-USER uid="935268"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>And as others have said before, 5 at least must be YMMV. &nbsp;SP CLIs on DC are not an issue for me.</P><P>&nbsp;</P><P>You have to also compare to alternatives. &nbsp;Blispay is probably the strongest contender but has no auto-pay and some are not sure about long-term viability. &nbsp;Fideltiy Visa &nbsp;gives 2% at statement after purchase, but has a $50 redemption minimum.</P><HR /></BLOCKQUOTE><P>Oh, I have no issue REQUESTING SP CLIs. &nbsp;Getting them is an entirely different story. &nbsp;Had the card for over a year now, and still stuck at $500. &nbsp;Other than that, I would love the card, and would use it a lot more if the CL wasn't unusable.</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Just push what you need to spend through from your checking account as a bill pay. Call in and alert them of your purchase if its large. &nbsp;They may or may not do it. &nbsp;What are your scores? &nbsp;if upper 600s or over 700, call the EO in the backdoor thread here. &nbsp;They say it will be a HP, and most often it is, but a lot of times they call you back in a day or two and say a report was not required. &nbsp;You can specify the amount you request. I would make it be not your highest limit card but you should have no problem getting it increased unless something else is going down. &nbsp;I went from 2400 to 3800 in 4 months, then 4 months later requested 15k, countered at 10k since I had a recent increase. &nbsp;My last increase I asked for 20k, they gave me 15k and said they could not give me 20k at this time. Fine with me!&nbsp;</P><P>&nbsp;</P><P>I would rather use HPs to make the products I have fit my needs, instead of getting a triple pull with capital one and being in gridlock with out apping for more cards. &nbsp;At least Citi even offers this, as well as APR reductions. As does Bank of America :-)</P>Mon, 16 Jan 2017 04:29:08 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839578#M1411186jfriend332017-01-16T04:29:08ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839594#M1411194
<BLOCKQUOTE><HR /><LI-USER uid="897095"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="935268"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>And as others have said before, 5 at least must be YMMV. &nbsp;SP CLIs on DC are not an issue for me.</P><P>&nbsp;</P><P>You have to also compare to alternatives. &nbsp;Blispay is probably the strongest contender but has no auto-pay and some are not sure about long-term viability. &nbsp;Fideltiy Visa &nbsp;gives 2% at statement after purchase, but has a $50 redemption minimum.</P><HR /></BLOCKQUOTE><P>Oh, I have no issue REQUESTING SP CLIs. &nbsp;Getting them is an entirely different story. &nbsp;Had the card for over a year now, and still stuck at $500. &nbsp;Other than that, I would love the card, and would use it a lot more if the CL wasn't unusable.</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Just push what you need to spend through from your checking account as a bill pay. Call in and alert them of your purchase if its large. &nbsp;They may or may not do it. &nbsp;What are your scores? &nbsp;if upper 600s or over 700, call the EO in the backdoor thread here. &nbsp;They say it will be a HP, and most often it is, but a lot of times they call you back in a day or two and say a report was not required. &nbsp;You can specify the amount you request. I would make it be not your highest limit card but you should have no problem getting it increased unless something else is going down. &nbsp;I went from 2400 to 3800 in 4 months, then 4 months later requested 15k, countered at 10k since I had a recent increase. &nbsp;My last increase I asked for 20k, they gave me 15k and said they could not give me 20k at this time. Fine with me!&nbsp;</P><P>&nbsp;</P><P>I would rather use HPs to make the products I have fit my needs, instead of getting a triple pull with capital one and being in gridlock with out apping for more cards. &nbsp;At least Citi even offers this, as well as APR reductions. As does Bank of America :-)</P><HR /></BLOCKQUOTE><P>I have a lot of HPs, but they start falling off next month. &nbsp;This is by far my lowest limit (except for a $300 gas card that I have, and have used once). &nbsp;I will have to try the backdoor number once I lose a bunch of my HPs, if I still can't get the limit to move. &nbsp;Thanks.</P><P>&nbsp;</P>Mon, 16 Jan 2017 04:59:33 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839594#M1411194OzMan17882017-01-16T04:59:33ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839655#M1411222
<BLOCKQUOTE><HR /><LI-USER uid="949749"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="963964"></LI-USER> wrote:<BR />Or it works better long term for someone who isn't going to get much benefit out of a CSP, CSR, Airline card? Some people don't want to use a card, get the bonus and cancel or SD it. I've done it before but yeah..<HR /></BLOCKQUOTE><P>I didn't suggest getting a premium card and then canceling or SDing it. I suggested getting a premium card and then PCing it to DC after draining the premium card of its first-year value.</P><P>&nbsp;</P><P>Sometimes getting the most value from a new account in the long run involves getting a ton of value early on.</P><HR /></BLOCKQUOTE><P>Does Citi allow this for any of its "premium" cards? Even if it does, how many cards can be changed this way anyway, practically speaking? I doubt having 5 DC cards laying around will do much good.</P>Mon, 16 Jan 2017 06:01:43 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839655#M1411222yfan2017-01-16T06:01:43ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839665#M1411228
<P>It's a solid card. Flat 2% reward. Fairly comprehensive set of benefits (purchase protection, price protection, travel delay).</P><P>&nbsp;</P><P>It doesn't get a lot of love here because there's no publicly available bonus, but I think that's how Citi makes it sustainable. You might say that even Capital One has a bonus for the QS, but consider that Capital One gives cards to people with much worse credit, boosting their interest earning potential.</P>Mon, 16 Jan 2017 06:27:37 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839665#M1411228yfan2017-01-16T06:27:37ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839667#M1411229
I am a gentleman and thus won't say what came to mind.<BR /><BR />However, I will say that one would be better served by a 2% cash back visa card, or a swift kick in the trousers.Mon, 16 Jan 2017 06:32:56 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839667#M1411229wanderingbuilder2017-01-16T06:32:56ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839676#M1411233
<P>It is a good card for 2% rewards, and mine gets used at retail stores. I do not usually use it online much, usually opting for my quicksilver with 1.5% rewards...why one may ask would I choose to use the 1.5% card instead of the DC??? Believe it or not, it is simply due to the fact that the Cap1 Quicksilver sent me 2 cards when I recieved it. I keep 1 in my wallet and 1 in my nightstand. Since the one in my nightstand is most convenient when ordering from my laptop I usually just grab that due to convenince. If the DC had sent me 2 cards, I would probably use it instead. Capital One was smart to send the extra identical card IMO! The extra 1/2 percent is not enough to be worth the inconvenience for me! The Capital one 1.5% is also very simple with no minimum amount to cash out as statement credit. I know I could have probably requested a second card but Capital One sent 2 automatically.</P>Mon, 16 Jan 2017 07:10:37 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839676#M1411233sarge122017-01-16T07:10:37ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839708#M1411248
<BLOCKQUOTE><HR /><LI-USER uid="611224"></LI-USER> wrote:<BR /><P>It is a good card for 2% rewards, and mine gets used at retail stores. I do not usually use it online much, usually opting for my quicksilver with 1.5% rewards...why one may ask would I choose to use the 1.5% card instead of the DC??? Believe it or not, it is simply due to the fact that the Cap1 Quicksilver sent me 2 cards when I recieved it. I keep 1 in my wallet and 1 in my nightstand. Since the one in my nightstand is most convenient when ordering from my laptop I usually just grab that due to convenince. If the DC had sent me 2 cards, I would probably use it instead. Capital One was smart to send the extra identical card IMO! The extra 1/2 percent is not enough to be worth the inconvenience for me! The Capital one 1.5% is also very simple with no minimum amount to cash out as statement credit. I know I could have probably requested a second card but Capital One sent 2 automatically.</P><HR /></BLOCKQUOTE><P>Well when i shop online i dont even need my card. Use citi card generator.....</P><P>&nbsp;</P><P>anyway i have to citi dc cards. The original world mastercard, then the upgraded world elite! both still work.</P>Mon, 16 Jan 2017 09:10:00 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839708#M1411248jfriend332017-01-16T09:10:00ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839903#M1411317
<P>Citi Double Cash is meh... I would go for the Discover it or Amex Blue Cash Everyday instead. &nbsp;At least you earn higher in rotating categories with Discover (they double your cash earned the first year too) and with Amex... well... it's an Amex. &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;</P>Mon, 16 Jan 2017 17:17:52 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839903#M1411317Triathlete7212017-01-16T17:17:52ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839907#M1411319
<BLOCKQUOTE><HR /><LI-USER uid="862337"></LI-USER> wrote:<BR /><P>Citi Double Cash is meh... I would go for the Discover it or Amex Blue Cash Everyday instead. &nbsp;At least you earn higher in rotating categories with Discover (they double your cash earned the first year too) and with Amex... well... it's an Amex. &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;</P><HR /></BLOCKQUOTE><P>Most people here will have more than one cc, and presumably the point is to get 2% on uncategorized spend. &nbsp; After the first year, Discover IT is only 1%, as is the BCE. &nbsp;In addition, the BCE reward system is MUCH worse than the DC, with the extra delay, $25 increments, and no bank transfer option &nbsp;(and for me it gains no points back for being an Amex!)</P>Mon, 16 Jan 2017 17:27:36 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839907#M1411319longtimelurker2017-01-16T17:27:36ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839936#M1411328
<BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="862337"></LI-USER> wrote:<BR /><P>Citi Double Cash is meh... I would go for the Discover it or Amex Blue Cash Everyday instead. &nbsp;At least you earn higher in rotating categories with Discover (they double your cash earned the first year too) and with Amex... well... it's an Amex. &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;</P><HR /></BLOCKQUOTE><P>Most people here will have more than one cc, and presumably the point is to get 2% on uncategorized spend. &nbsp; After the first year, Discover IT is only 1%, as is the BCE. &nbsp;In addition, the BCE reward system is MUCH worse than the DC, with the extra delay, $25 increments, and no bank transfer option &nbsp;(and for me it gains no points back for being an Amex!)</P><HR /></BLOCKQUOTE><P>longtimelurker....BCE card is my grocery store card...it gets 3% at the grocery store, and we all have to eat.<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /> BCE preferred gets 6%, but being single I don't eat enough to be worth the AF, so I opted for BCE.</P>Mon, 16 Jan 2017 18:08:01 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839936#M1411328sarge122017-01-16T18:08:01ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839942#M1411330
<BLOCKQUOTE><HR /><LI-USER uid="611224"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="862337"></LI-USER> wrote:<BR /><P>Citi Double Cash is meh... I would go for the Discover it or Amex Blue Cash Everyday instead. &nbsp;At least you earn higher in rotating categories with Discover (they double your cash earned the first year too) and with Amex... well... it's an Amex. &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;</P><HR /></BLOCKQUOTE><P>Most people here will have more than one cc, and presumably the point is to get 2% on uncategorized spend. &nbsp; After the first year, Discover IT is only 1%, as is the BCE. &nbsp;In addition, the BCE reward system is MUCH worse than the DC, with the extra delay, $25 increments, and no bank transfer option &nbsp;(and for me it gains no points back for being an Amex!)</P><HR /></BLOCKQUOTE><P>longtimelurker....BCE card is my grocery store card...it gets 3% at the grocery store, and we all have to eat.<img id="smileywink" class="emoticon emoticon-smileywink" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /> BCE preferred gets 6%, but being single I don't eat enough to be worth the AF, so I opted for BCE.</P><HR /></BLOCKQUOTE><P>I was talking about using it on uncategorized spend, yes BCE gets 3% and BCP gets 6% (and BC gets 5%) on groceries, and lots of other cards give some enhancement on groceries, so DC wouldn't be the natural choice there.</P><P>&nbsp;</P><P>The reward system still sucks though! &nbsp;And while it might be worth it for the higher percentages, not so sure on 3% vs other cards that also give 3% on groceries. &nbsp; But OT!</P>Mon, 16 Jan 2017 18:13:29 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4839942#M1411330longtimelurker2017-01-16T18:13:29ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840287#M1411469
<BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="862337"></LI-USER> wrote:<BR /><P>Citi Double Cash is meh... I would go for the Discover it or Amex Blue Cash Everyday instead. &nbsp;At least you earn higher in rotating categories with Discover (they double your cash earned the first year too) and with Amex... well... it's an Amex. &nbsp;<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://fico.i.lithium.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /> &nbsp;</P><HR /></BLOCKQUOTE><P>Most people here will have more than one cc, and presumably the point is to get 2% on uncategorized spend. &nbsp; After the first year, Discover IT is only 1%, as is the BCE. &nbsp;In addition, the BCE reward system is MUCH worse than the DC, with the extra delay, $25 increments, and no bank transfer option &nbsp;(and for me it gains no points back for being an Amex!)</P><HR /></BLOCKQUOTE><P>This. &nbsp;And some people make the argument that the Chase Freedom Unlimited actually earns more than the DC when you transfer the points - but in my case if I put all my uncategorized spend on an FU I would be sitting on a ton of UR points that would never get redeemed.</P>Tue, 17 Jan 2017 00:28:23 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840287#M1411469nachoslibres2017-01-17T00:28:23ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840293#M1411470
I've got the Freedom, Discover It, BCE, and DC. They all get used. Freedom &amp; Discover for rotating categories, BCE for groceries &amp; Util padding, and the DC for everything else. If I travelled enough for a CSR, I'd get a FU and redeem points through it.. but until that happens, the DC makes more sense for meTue, 17 Jan 2017 00:34:11 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840293#M1411470DiscountDoubleCheck2017-01-17T00:34:11ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840660#M1411625
<BLOCKQUOTE><HR /><LI-USER uid="949844"></LI-USER> wrote:<BR />I've got the Freedom, Discover It, BCE, and DC. They all get used. Freedom &amp; Discover for rotating categories, BCE for groceries &amp; Util padding, and the DC for everything else. If I travelled enough for a CSR, I'd get a FU and redeem points through it.. but until that happens, the DC makes more sense for me<HR /></BLOCKQUOTE><P>Those are the same 4 cards that get all of my spending (except Amazon). I think it's about the perfect set-up for those primarily interested in cash rewards (instead of travel rewards).</P><P>&nbsp;</P><P>&nbsp;</P>Tue, 17 Jan 2017 10:55:41 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840660#M1411625PapasChileHuevos2017-01-17T10:55:41ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840665#M1411628
Im very happy with the combo.. I also have a PCMCU Platinum Rewards for my recurring bills, a Fleet Farm Visa for most of my fuel, and a Costco card for any travelling, restaurants, and non ff fuel (when they arent rotating categories elsewhere). This combo helps me maximize rewards, and is plenty thick enough that small changes wouldnt harm me much.Tue, 17 Jan 2017 11:17:51 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840665#M1411628DiscountDoubleCheck2017-01-17T11:17:51ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840684#M1411633
<P>I don't have the actual double cash card, so I can't speak to what it is like owning it. &nbsp;However, it is definitely a solid cash back card for general spend. &nbsp;I think it is easy to overlook good general spend cards and focus on maximizing categories. &nbsp;</P><P>&nbsp;</P><P>I ultimately passed on the DC and found the QS to be more valuable because even though it is only 1.5%, capital one allows you to apply for the Venture or Venture 1 card, earn the bonus, and almost immediately PC to the QS, which has FTF and also runs great Uber promotions. &nbsp;Since then, Chase introduced the FU, which now gets my general spend because I value a UR point at more than 1 cpp. &nbsp;So, if you're not sure about the DC, there are some other great options out there!</P>Tue, 17 Jan 2017 12:33:08 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840684#M1411633deltatee2017-01-17T12:33:08ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840900#M1411670
<BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>I think you are way overstating reasons as to why its overrated.</P><P>1. What other card gives you the cash back immediately? I'm pretty sure all of them wait until the statement posts before you actually get your cashback in your acucmulation.</P><P>2. Fair point, but you can also pay before the statement cuts to get the full 2% right away.</P><P>3. Do you really need to cash out the money right away. And if you need all of it right away it is only $1250 in spend to get the $25 minimum. Pay before statement cuts as mentioned above and get it all after 1 statement.</P><P>4. I started out at 11K, and was my second highest card at the time. doesn't seem that low to me.</P><P>5. Fair point. I have had mine almost 2 years and have not gotten any CLI or a soft pull opportunity, but I know many here that have.</P><P>6. I just looked on mine right now. I have a 0%, 18 month offer for balance transfer. 3% fee. Not bad.</P><P>7. APR on mine is 13.49%. Doesn't seem too high for a 2% cashback card. And what fees? Late fee? All cards have high fees like that.</P><P>8. How many cards have no FTF that you don't have to pay an AF for? Not many.&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P>Tue, 17 Jan 2017 18:08:17 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840900#M1411670gardini512017-01-17T18:08:17ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840957#M1411684
<BLOCKQUOTE><HR /><LI-USER uid="316236"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="875377"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973997"></LI-USER> wrote:<BR /><P>I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.</P><HR /></BLOCKQUOTE><P>Some people swear by the card and think it's great.</P><P>&nbsp;</P><P>My opinion is it's ok for purchases but way overrated because:</P><P>1. first 1% delayed until statement after purchase<BR />2. second 1% delayed until statement after payment<BR />3. redemption minimum of $25<BR />4. low starting limits<BR />5. hard to get CLI's, usually no soft pull opportunity<BR />6. no balance transfer opportunities after first 30 days<BR />7. high interest &amp; high fees<BR />8. foreign transaction fees</P><HR /></BLOCKQUOTE><P>I think you are way overstating reasons as to why its overrated.</P><P>1. What other card gives you the cash back immediately? I'm pretty sure all of them wait until the statement posts before you actually get your cashback in your acucmulation.</P><P>&nbsp;</P><P><FONT color="#FF0000">Not true. Capital One Quicksilver, Barclay Rewards, e.g.</FONT></P><P>&nbsp;</P><P>2. Fair point, but you can also pay before the statement cuts to get the full 2% right away.</P><P>&nbsp;</P><P><FONT color="#FF0000">Not true, you would have to wait until the statement cuts.</FONT></P><P>&nbsp;</P><P>&nbsp;</P><P>3. Do you really need to cash out the money right away.</P><P>&nbsp;</P><P><FONT color="#FF0000">That is not the point.&nbsp; Of course I don't "need" it. I just prefer my money being available whenever I feel like redeeming it.</FONT></P><P>&nbsp;</P><P>&nbsp;</P><P>And if you need all of it right away it is only $1250 in spend to get the $25 minimum. Pay before statement cuts as mentioned above and get it all after 1 statement.</P><P>4. I started out at 11K, and was my second highest card at the time. doesn't seem that low to me.</P><P>&nbsp;</P><P><FONT color="#FF0000">Agreed, your experience was different than mine (and many other folks)</FONT></P><P>&nbsp;</P><P>5. Fair point. I have had mine almost 2 years and have not gotten any CLI or a soft pull opportunity, but I know many here that have.</P><P>6. I just looked on mine right now. I have a 0%, 18 month offer for balance transfer. 3% fee. Not bad.</P><P>&nbsp;</P><P><FONT color="#FF0000">I've never had any balance transfer offer after the first 30 days.</FONT></P><P>&nbsp;</P><P>7. APR on mine is 13.49%. Doesn't seem too high for a 2% cashback card.</P><P>&nbsp;</P><P><FONT color="#FF0000">Not bad; mine is 21.49%, cash advances 25.74%. </FONT></P><P>&nbsp;</P><P>And what fees? Late fee? All cards have high fees like that.</P><P>&nbsp;</P><P><FONT color="#FF0000">5% for cash advances. </FONT></P><P><FONT color="#FF0000">3% for balance transfers (if I could ever get one)</FONT></P><P>&nbsp;</P><P>8. How many cards have no FTF that you don't have to pay an AF for? Not many.&nbsp;</P><P>&nbsp;</P><P><FONT color="#FF0000">&nbsp;Plenty. Quicksilver, Jet Blue, Barclay Ring, Venture One, Penfed Promise, Alliant CU Visa, Discover IT, NFCU Platinum Visa, Chase Amazon Prime Visa, and on and on.</FONT></P><HR /></BLOCKQUOTE><P>&nbsp;</P>Tue, 17 Jan 2017 18:58:12 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840957#M1411684SouthJamaica2017-01-17T18:58:12ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840974#M1411687
<BLOCKQUOTE><HR /><LI-USER uid="973614"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="949844"></LI-USER> wrote:<BR />I've got the Freedom, Discover It, BCE, and DC. They all get used. Freedom &amp; Discover for rotating categories, BCE for groceries &amp; Util padding, and the DC for everything else. If I travelled enough for a CSR, I'd get a FU and redeem points through it.. but until that happens, the DC makes more sense for me<HR /></BLOCKQUOTE><P>Those are the same 4 cards that get all of my spending (except Amazon). I think it's about the <STRONG>perfect set-up</STRONG> for those primarily interested in cash rewards (instead of travel rewards).</P><P>&nbsp;</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Sticking just to cash back, it, as always, depends on how you spend. &nbsp; &nbsp;If you have heavy gas spend, you want a card that always gives 5% on that, not just a capped 2Q, if grocery spend is very heavy, you want the OBC, in other categories the US Bank Cash + would be a more useful card.</P><P>&nbsp;</P><P>Personally, for those that don't travel, I really wouldn't &nbsp;strongly recommend the Freedom (outside the bonus) or the Discover after the first year. &nbsp; Both tie you to what the issuer chooses to reward, rather than letting you having higher earnings in categories that matter to you.</P>Tue, 17 Jan 2017 19:20:27 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4840974#M1411687longtimelurker2017-01-17T19:20:27ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841444#M1411820
<BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973614"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="949844"></LI-USER> wrote:<BR />I've got the Freedom, Discover It, BCE, and DC. They all get used. Freedom &amp; Discover for rotating categories, BCE for groceries &amp; Util padding, and the DC for everything else. If I travelled enough for a CSR, I'd get a FU and redeem points through it.. but until that happens, the DC makes more sense for me<HR /></BLOCKQUOTE><P>Those are the same 4 cards that get all of my spending (except Amazon). I think it's about the <STRONG>perfect set-up</STRONG> for those primarily interested in cash rewards (instead of travel rewards).</P><P>&nbsp;</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Sticking just to cash back, it, as always, depends on how you spend. &nbsp; &nbsp;If you have heavy gas spend, you want a card that always gives 5% on that, not just a capped 2Q, if grocery spend is very heavy, you want the OBC, in other categories the US Bank Cash + would be a more useful card.</P><P>&nbsp;</P><P>Personally, for those that don't travel, I really wouldn't &nbsp;strongly recommend the Freedom (outside the bonus) or the Discover after the first year. &nbsp; Both tie you to what the issuer chooses to reward, rather than letting you having higher earnings in categories that matter to you.</P><HR /></BLOCKQUOTE><P>What's the OBC?</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P>Wed, 18 Jan 2017 03:03:55 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841444#M1411820PapasChileHuevos2017-01-18T03:03:55ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841447#M1411822
<BLOCKQUOTE><HR /><LI-USER uid="973614"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="973614"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="949844"></LI-USER> wrote:<BR />I've got the Freedom, Discover It, BCE, and DC. They all get used. Freedom &amp; Discover for rotating categories, BCE for groceries &amp; Util padding, and the DC for everything else. If I travelled enough for a CSR, I'd get a FU and redeem points through it.. but until that happens, the DC makes more sense for me<HR /></BLOCKQUOTE><P>Those are the same 4 cards that get all of my spending (except Amazon). I think it's about the <STRONG>perfect set-up</STRONG> for those primarily interested in cash rewards (instead of travel rewards).</P><P>&nbsp;</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Sticking just to cash back, it, as always, depends on how you spend. &nbsp; &nbsp;If you have heavy gas spend, you want a card that always gives 5% on that, not just a capped 2Q, if grocery spend is very heavy, you want the OBC, in other categories the US Bank Cash + would be a more useful card.</P><P>&nbsp;</P><P>Personally, for those that don't travel, I really wouldn't &nbsp;strongly recommend the Freedom (outside the bonus) or the Discover after the first year. &nbsp; Both tie you to what the issuer chooses to reward, rather than letting you having higher earnings in categories that matter to you.</P><HR /></BLOCKQUOTE><P>What's the OBC?</P><P>&nbsp;</P><P>&nbsp;</P><P>&nbsp;</P><HR /></BLOCKQUOTE><P>Amerian Express Blue Cash, called Old Blue Cash to distinguish it from the Blue Cash Everyday (BCE) and Blue Cash Preferred (BCP)</P>Wed, 18 Jan 2017 03:09:09 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841447#M1411822longtimelurker2017-01-18T03:09:09ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841489#M1411842
The amount you have to spend on the OBC to get to the 5% grocery tier though makes it economically unviable compared to the BCP, even assuming you spend ungodly amounts on groceries. 6%-1%=5% of $6500 is $325 in missed rewards from the BCP vs OBC. Better off just paying the annual fee on the BCP and getting 6% on all groceries.Wed, 18 Jan 2017 04:00:47 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841489#M1411842jb0022017-01-18T04:00:47ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841846#M1411967
<P>Stores want customers to use cash, which has no transaction fee. By giving us cash back, we may be more likely to use cash next time. I suppose we want cash to keep it, but of course we don't, so I don't think much of the card.</P><P>&nbsp;</P>Wed, 18 Jan 2017 17:09:49 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841846#M1411967vanillabean2017-01-18T17:09:49ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841864#M1411972
<BLOCKQUOTE><HR /><LI-USER uid="858591"></LI-USER> wrote:<BR />The amount you have to spend on the OBC to get to the 5% grocery tier though makes it economically unviable compared to the BCP, even assuming you spend ungodly amounts on groceries. 6%-1%=5% of $6500 is $325 in missed rewards from the BCP vs OBC. Better off just paying the annual fee on the BCP and getting 6% on all groceries.<HR /></BLOCKQUOTE><P>Well, with enough spend (which we certainly do) on groceries the OBC comes ahead of the BCP, it's not that ungodly, above $11,625 per year</P><P>&nbsp;</P><P><EM>(On the first $6,500, OBC earns $65, the BCP $365 &nbsp;(6% on $6K, 1% on the next $500) and has a $95 fee</EM></P><P>&nbsp;</P><P>&nbsp;</P><P><EM>So where x is the spend above $6,500, the BCP earns 365+ 0.01x &nbsp;-95, OBC earns $65 + 0.05x</EM></P><P>&nbsp;</P><P><EM>and the OBC wins when x&gt; 5,125)</EM></P><P>&nbsp;</P><P>But many people don't use the OBC that way, the $6,500 is spend in other ways quickly, and the card gets to 5% earning straight away, which applies to gas and drugstores too</P>Wed, 18 Jan 2017 17:29:06 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841864#M1411972longtimelurker2017-01-18T17:29:06ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841911#M1411987
<P>The OBC is no longer open to new applicants, is it?</P>Wed, 18 Jan 2017 18:14:10 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841911#M1411987yfan2017-01-18T18:14:10ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841957#M1412000
<BLOCKQUOTE><HR /><LI-USER uid="812736"></LI-USER> wrote:<BR /><P>The OBC is no longer open to new applicants, is it?</P><HR /></BLOCKQUOTE><P>Yes, it is still available</P>Wed, 18 Jan 2017 19:03:25 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841957#M1412000longtimelurker2017-01-18T19:03:25ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841979#M1412010
<P>I still don't get why the OP doesn't at least give another look to Blispay... So folks think its a flavor of the month.. but its the simplest 2% back, plus their 6mo 0% offers... Even if you use it for a flat out 2% card.. you get the 2% back quickly..... Plus seemingly only one pull at this point... Im using this flavor untill its spent...</P><P>&nbsp;</P><P>-J</P><P>&nbsp;</P>Wed, 18 Jan 2017 19:28:48 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841979#M1412010joltdude2017-01-18T19:28:48ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841993#M1412019
<BLOCKQUOTE><HR /><LI-USER uid="702217"></LI-USER> wrote:<BR /><BLOCKQUOTE><HR /><LI-USER uid="812736"></LI-USER> wrote:<BR /><P>The OBC is no longer open to new applicants, is it?</P><HR /></BLOCKQUOTE><P>Yes, it is still available</P><HR /></BLOCKQUOTE><P>I don't see it on Amex's website though. How do I find it. I googled, and <A href="https://www.americanexpress.com/us/credit-cards/card/blue-cash/" target="_self">this page</A> leads to an error.</P><P>&nbsp;</P><P>PS - never mind. Needed to go into incognito mode. Got it now.</P>Wed, 18 Jan 2017 19:48:04 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4841993#M1412019yfan2017-01-18T19:48:04ZRe: What is your opinion on citi double cash?https://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4842064#M1412051
<BLOCKQUOTE><HR /><LI-USER uid="949844"></LI-USER> wrote:<BR />I've got the Freedom, Discover It, BCE, and DC. They all get used. Freedom &amp; Discover for rotating categories, BCE for groceries &amp; Util padding, and the DC for everything else. If I travelled enough for a CSR, I'd get a FU and redeem points through it.. but until that happens, the DC makes more sense for me<HR /></BLOCKQUOTE><P>do you max your freedoms quarterly bonus out every time? &nbsp;If that is the case, then try for CSR in branch, and see how you like it. If after a year, then downgrade to a FU, then to freedom. Regardless you would get $1000 cash, and $300 twice and it covers more than just vacations...</P><P>&nbsp;</P><P>ETA: Love that 5% cu card u have. What a unicorn! Very jealous.</P>Wed, 18 Jan 2017 21:26:04 GMThttps://ficoforums.myfico.com/t5/Credit-Cards/What-is-your-opinion-on-citi-double-cash/m-p/4842064#M1412051jfriend332017-01-18T21:26:04Z